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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Annual investment return is in the bottom quintile of the peer cohort.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Auditor declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $39,422 | $85,766-54.0% | $136,298-71.1% | $70,126-43.8% |
| Participation rate | 63.4% | 74.2%-10.8pp | 81.9%-18.5pp | 69.5%-6.2pp |
| Annual return | 12.97% | 31.46%-18.5pp | 5156.27%-5143.3pp | 73.15%-60.2pp |
| Employer contribution / active EE | $1,177 | $2,966-60.3% | $4,696-74.9% | $2,343-49.8% |
| Participant deferral / active EE | $2,514 | $5,051-50.2% | $6,247-59.8% | $3,332-24.5% |
| Admin fee / account holder | $97 | $5,421-98.2% | $9,244-98.9% | $4,645-97.9% |